The pension calculation for both tiers is the same, but the retirement age and method for calculating the final average salary are different. How does my unused/unpaid sick leave affect my retirement? . On January 1, 2011, the Illinois legislature established two sets of pension eligibility requirements. Full Work Days. The precise details of the Tier 2 benefit program differ for each of the 5 state retirement systems (for teachers . Years of Service. The calculator below can help you estimate your monthly CTPF pension income at retirement. '/_layouts/15/itemexpiration.aspx' Two tier system created effective January 1, 2011 Tier 2 -Members hired on or after the effective date Normal retirement eligible upon attaining age 55 with Madigan defends the break because of longstanding complaints that the pension system is unfair regarding teachers (long story short: the city of Chicago is responsible for funding its own teachers pension and feels theyre being shorted the amount of contributions the state is paying into the pensions for teachers in the rest of the state). 216 0 obj <>/Filter/FlateDecode/ID[<6CAB9B1017770449BB6280DA965695D7>]/Index[197 36]/Info 196 0 R/Length 91/Prev 89858/Root 198 0 R/Size 233/Type/XRef/W[1 2 1]>>stream But for Petes sake, do the math first! hXkOG+;E2'$FJQ3f&*5{{-=L,*`&YEbJ ap^a!4Z5N5)g48B.M8K>Yh\0 uwx/\fO"{z?4-WblXT|(+&8YV`?Yur2~BpA3FqzOi>[q+'!eD#N??T/'89Eu]|nfW&*0[Z|Y.2ux|UeAV8|eNv^e9{8:et]Z>8~],&tEMMhW$2]Ec/k.[)H{{^Gt-F|u}X'+ |ToI>>E/J cg=}-wr]N,4?$`"^\}!-xmruP.WcdJn}g`k^/=[}n_r\=n"9 In 2046, the final year of the actuarys projection, this value improves to -1.04%. 1/4 Year. 427 0 obj <>/Filter/FlateDecode/ID[<2DF6D137FCD06F4688E1ABB66A019135>]/Index[414 31]/Info 413 0 R/Length 84/Prev 579514/Root 415 0 R/Size 445/Type/XRef/W[1 3 1]>>stream A Tier 1 officer is eligible for retirement benefits at age 50 if he or she has earned 20 years of creditable service, or retirement at age 60 if between 8 and 20 years have been earned. Your FRE is your highest average earnings over a certain period of time. Please turn on JavaScript and try again. +'?Category=Auditing&backtype=item&ID={ItemId}&List={ListId}'); return false;} if(pageid == 'config') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ But, for a plan thats supposed to be replacing Social Security and providing additional benefits besides, this is not sustainable. Article 1A - Regulation Of Public Pension Funds Article 2 - General Assembly Retirement System Article 3 - Police Pension Fund - Municipalities 500,000 And Under Article 4 - Firefighters' Pension Fund - Municipalities 500,000 And Under Article 5 - Policemen's Annuity And Benefit Fund--Cities Over 500,000 232 0 obj <>stream Tier 2 Pensions On January 1, 2011, the Illinois legislature established two sets of pension eligibility requirements. What a perfect way to do this. Age 62 with 5 years of service. Tier membership is initially determined by date . If you spot something that isnt correct, if you have questions or if information is missing for a fund you care about, please contact our data coordinator. 96-1495 did not change employee contribution rates, the benefit multiplier, or Members who joined CTPF or a qualified reciprocal system prior to January 1, 2011, are Tier 1. Yes, even if employees might not like the outcome and even if the results of the calculation were to determine that the new formulas retirement income, while smaller, was tolerable enough, it remains the case that the actuaries did the math. So the net employer cost is still 2x the typical 401k match.". If you are age 67 and qualify for the maximum retirement annuity, you can elect to limit contributions. The annual increase to be used in determining the COLA for Tier 2 is derived from the change in the Consumer Price Index-Urban ("CPI-U") for the 12 months ending with the September proceeding each November 1. Not sure which plan you participate in? When you first retire, you must have retired on or before June 30 to receive a 13th Payment the next year. I write about retirement policy from an actuary's perspective. "Downstate" Fire Pensions under Article 4. 0 Tier 1 vs. It turns out that the Chicago Teachers contribution holiday had been paired with the pension reform, and Tyrons amendment intended to remove it, but Madigan had quashed that to allow the contribution break to go ahead. Ask your older co-workers.) + '?List={ListId}&ID={ItemId}'), /_layouts/15/images/sendOtherLoc.gif?rev=23, javascript:GoToPage('{SiteUrl}' + What do you think? Logging in to your Member Access account allows you to view your annual Statement of Benefits, 1099-R statement, 13th Payment statement, and EFT statements. Annual increases begin whichever January first below is later: Each January 1 increase will be calculated on your original benefit amount, and will be the lower of: After you have retired and have received pension payments for at least 12 months in a row, you will be eligible for a supplemental benefit payment every July. Tier 6 consists of active members and is the only tier accepting new members. Tier 2 employees are subject to a pensionable salary cap that began at $106,800 and has grown since 2011 at half of inflation or 3% per year, whichever is less. Cannotbe working in any position which qualifies for IMRF participation. The law that originally created the plan needed lots of fixes for it to work, according to the states retirement systems. Your service will be combined to determine a Regular Tier 1 pension. Yes, this is better than nothing. $b4g3W&O2mHD`tnCGs1 QF'@Z"K_N0apq?& \o:0h~8QN 4#i J-* All Tier 1 members are retired. '/_layouts/15/hold.aspx' IMRF members' and employers' rights and obligations are governed by Article 7 of the Illinois Pension Code. But Andrew Bodewes, TRS legislative director, told the panel that because of the small cost-of-living increases built into Tier 2, those pensions soon are likely to fail to meet the federal adequacy test. All ECO plans were closed to new participants after August 8, 2011. Police officers do contribute into Social Security. Consider your options carefully before requesting a refund. 22nd Ave Pompano Beach, Fl. Your JRS benefit will continue if you: As a Tier 2 retiree, your JRS benefit will be suspended if you become a full-time participant in JRS or any Illinois reciprocal retirement system. 1 "Downstate" Police Pensions Under Article 3 . All IMRF employers now have two key documents available in Employer Access with information necessary for financial planning, accounting, and reporting purposes. Leaving your contributions on deposit with IMRF may make more financial sense for you. But the 9% employee contribution exceeds the normal cost only at a 7% discount rate. They get far worse benefits than older employees in Tier 1. dunkaroos frosting vs rainbow chip; stacey david gearz injury Pension Fund Tier Chart. Retired members are not eligible for this credit. Research & Policy. The contribution is 9 . endstream endobj startxref The employee contribution is divided as follows: 7% for the employee annuity 1.5% for the widow annuity 0.5% for the annual increase in annuity In addition, every sworn police officer contributes $2.50 per month to defray the cost of the ordinary death benefit. As it happens, thats not the first time that legislators have cobbled together reforms which fail to accomplish their objective. Your Tier determines your IMRF benefits. +'?ID={ItemId}&List={ListId}'); return false;}}, null); javascript:SP.UI.ModalDialog.ShowPopupDialog('{SiteUrl}'+ Is this sort of legislating unique to Illinois? Final average salary used to calculate pensions capped at $123,489.18 in 2023. hb``` For example: 10 years of service times 2.4% per year equals 24% of FAS. It is in that context that the Illinois Tier 2 pension system came into being which avid readers will recall is a new set of benefits for public-sector employees in Illinois hired after. The Tier 2 salary cap does not limit how much can be earned; it limits the amount for which pension contributions are made. One the one hand, its a win for the states coffers. NCSL's experts are here to answer your questions and give you unbiased, comprehensive information as soon as you need it . 444 0 obj <>stream Michael Madigan, speaker of the Illinois House of, Representatives and chairman of the Democratic Party of Illinois, speaks during a press conference at the State Capitol in Springfield, Illinois, U.S., on Wednesday, Feb. 18, 2015. If you have higher earnings at the beginning of your career, an alternate FRE is used. The retirement Cost of Living Adjustment ("COLA") applicable to Tier 2 participants, and. Members who joined CTPF on or after January 1, 2011, are Tier 2. Tier I Benefits . 3/2/2020 1 Understanding Your SURS Benefits Tier I & Tier II Important 2 This presentation is for SURS members who are in Tier I & II Participation (Certification) date: The date you first become a participant with SURS, or another eligible Illinois retirement system covered under the Illinois Retirement Systems Earlier this month and late last month, I shared the bipartisan history of Illinois legacy of pension plan underfunding, as a broad overview as well as looking at specific pension boosts and the comments of the legislators at the time, via the floor debate transcripts. It sat, having been referred to the rules committee in December. Pension benefits are based on the eight highest consecutive years out of the last 10 in which the salary used to calculate benefits cannot exceed the Tier 2 annual salary maximum for that calendar year. On July 1, 2011, this cap for Tier I members will be reduced to 100 days or 500 hours per year. 60% x $113,550.53 = $68,130.32 annually or $5,677.53 per month. began contributing to the Pension Fund (or any other Article 3 fund) on or after January 1, 2011, you are considered a Tier 2 participant. Your total pension at retirement cannot exceed 75% of your final rate of earnings. Call us at (877) 927-5877, Monday through Friday, 8:30 am to 4:30 pm, to request a Recognized Illinois Non-public Service Certification form. is going to effect [sic]. '/_layouts/15/docsetsend.aspx' Now, nearly a year and a half later, the Tier 3 hybrid plan hasnt been implemented. However, the cost of the Tier 2 benefit in FY2019 was 7.1% of salary, compared with 21.6% for Tier 1 benefits. If you first participated in IMRF's SLEP plan: The ECO plan is an alternative benefit plan for elected county officials and provides enhanced disability, retirement, and death benefits. The Tier 2 system applies to all five of the state's pension plans, but there are particular concerns about the state Teachers Retirement System, or TRS, which covers all Illinois public school teachers outside the Chicago school district. "The Pension Clause of the Illinois Constitution shall not be deemed a suicide pact requiring any government to let retiree benefits reduce it, and its taxpayers, to penury. Tier 2 members in Teachers' Retirement System of the State of Illinois first contributed to TRS on or after Jan. 1, 2011 and have no pre-existing creditable service with a reciprocal pension system prior to Jan. 1, . - Any police, firefighters, paramedics, emergency medical technicians and state correctional employees/educational employees that regularly interact with inmates . Not surprisingly, this was exactly the partisan breakdown (with one missing Republican) at that time. hb```"GvMAd`CNFf&&F d Bruce Rauners veto of the 2018 budget. javascript:commonShowModalDialog('{SiteUrl}'+ The cap increases by 3% or one-half of the increase in Consumer Price Index (CPI) for the preceding year, whichever is lower. javascript:commonShowModalDialog('{SiteUrl}'+ There are currently 6 tiers provided to the sworn members of the Los Angeles Fire, Police, Harbor, and Airport Departments. Earlier this week, I shared with readers the ill-fated attempt to reform Illinois pensions by requiring local school districts to pay the added costs of their teachers pensions when they boost their salaries beyond 3% per year; this measure was slipped into last years last-minute budget and removed (restoring the old 6% limit) in this years last-minute budget, in a demonstration of the intractability of Illinois pension woes so long as the guarantee of future accruals and future increases remains in the state constitution. I was looking for any information on the Police Pension System in Illinois. The annual increase to be used in determining the COLA for Tier 2 is derived from the change in the Consumer Price Index-Urban ("CPI-U") for the 12 months ending with the September proceeding each November 1. Opinions expressed by Forbes Contributors are their own. Regular plan members work for local units of government that participate in IMRF. '/_layouts/15/docsetsend.aspx' Tier 2 This information applies to individuals who became a member of SERS or a reciprocal system after December 31, 2010. The amount varies every year, but it will always be less than your monthly pension amount. + '?List={ListId}&ID={ItemId}'), /_layouts/15/images/sendOtherLoc.gif?rev=23, javascript:GoToPage('{SiteUrl}' + He wrote, "Not denying that Illinois Tier 2 is much less generous than Tier 1. Box 19255 Springfield, Illinois 62794-9255 Phone: 217.782.8500 Fax: 217.782.7019 www.state.il.us/srs/Judges/home_jrs.htm We barely had time to look at it in committee. (Have less seniority? Instead, you would only make contributions based on future salary increases. Their normal retirement benefit is not available until age 67; while they are eligible to retire at age 62, their benefit is reduced by 6% per year prior to age 67. Now, police officers that entered after work until age 55, or take reduced pension with a 1/2% monthly cut under age 55 if you take it at 50. endstream endobj 198 0 obj <. The Tier 2 contribution towards the Tier 1 unfunded liability is only $6.89 billion over the next thirty years, out of total projected contributions from taxpayers and Tier 1 employees of $246 billion. +'?ID={ItemId}&List={ListId}'); return false;} if(pageid == 'audit') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ In the House, that day began with the invocation, pledge, roll call, welcoming of visitors, some housekeeping items. SERS Contact Information 2101 S. Veterans Parkway Springfield, IL 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email SERS Your SLEP contributions will be refunded with interest. Unused, Unpaid Sick Leave. +'?ID={ItemId}&List={ListId}', 'center:1;dialogHeight:500px;dialogWidth:500px;resizable:yes;status:no;location:no;menubar:no;help:no', function GotoPageAfterClose(pageid){if(pageid == 'hold') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ Because it was created behind closed doors which makes it all the more worthwhile to repeat the exercise of reading the legislative transcripts of the day it was brought to the floor of the Illinois State House and Senate for a vote. '/_layouts/15/itemexpiration.aspx' In Illinois, this resulted in a Blue Ribbon Pension Commission under Gov. Members who joined CTPF or a qualified. For the General Assembly Retirement System (Article 2) the annuity COLA and the increase in the annual salary maximum equals the lesser of 3% or the full CPI-U. To calculate the amount of your pension, IMRF uses a formula that includes: The formula to calculate a Tier 2SLEP Plan pension is 2.5% of your FRE for each year of SLEP service credit. At a minimum, Mr. Speaker, I think we should postpone this vote until after weve had time to know whats in the Bill, go home and have some town hall meetings [and] so that everybody in this floor actually knows what theyre voting on.. All rights . * Applies to members who began employment on or after September 1, 1983. One-half of the increase in the Consumer Price Index (urban) for the preceding year. +'?ID={ItemId}&List={ListId}', 'center:1;dialogHeight:500px;dialogWidth:500px;resizable:yes;status:no;location:no;menubar:no;help:no', function GotoPageAfterClose(pageid){if(pageid == 'hold') {STSNavigate(unescape(decodeURI('{SiteUrl}'))+ '/_layouts/15/docsetsend.aspx' Federal law allows state and municipal governments to do that, as long as the benefits they pay out are at least equal to what Social Security pays, a law known as the safe harbor provision. We would say that we would expect that the savings would be over a hundred billion dollars. (Of course, thats not first-year savings, and it is not at all clear what time period Madigan was talking about or whether such a round number had any sort of math behind it. (basically a police 401k) ONLY, so Tier 2 with most suburbs isn't anything to complain about (hopefully once we get on first!). Feedback on This Page, Before January 1, 2011, you are in Tier 1, On or after January 1, 2011, you are in Tier 2, Before January 1, 2011, you are in SLEP Tier 1, On or after January 1, 2011, you are in SLEP Tier 2, Before January 26, 2000, you are in the Original ECO plan, Between January 26, 2000, and December 31, 2010, you are in Revised ECO Tier 1, On or after January 1, 2011, you are in Revised ECO Tier 2. The Illinois Pension Code mandates that any city, village, or town of 5,000 but less than 500,000 inhabitants that . %%EOF Title: Comparing Tier 1 and Tier 2 -- IMRF REgualr elan Author: Sharon Merwin Subject: IMRF Member Information Tier 2 Keywords: Tier 2 Regular Plan SLEP Plan Combined Table Chart Tier 1 Tier 2 comparison differences Final Rate of Earnings, earnings cap, normal retirement age, vesting, age reduction, pension increase, eligiblity for pension increase, surviving spouse pension, surviving spouse . NCSL actively tracks more than 1,400 issue areas. 3% of pension compounded annually, beginning 1 year after retirement, or at age 61, whichever occurs later. In 2020, the employer normal cost for Tier 2 teachers was -1.75%. If a conflict arises between information in the IMRF website and the law, all decisions are based on the law. Private School Service Credit. 60 - 119 Days. Illinois teachers do not vest in their benefits until reaching 10 years of service. "The New Pension Law: How It Affects You and Your Officers." Description: Governor Rauner signed HB 418 on August 24, 2017, after its sponsor, Rep. Grant Wehrli, engaged in negotiations with the Illinois Chiefs for three years on variations of this bill. '/_layouts/15/Reporting.aspx' Tier 1 Final Compensation means the salary upon which pension contributions were based in the last 12 months of creditable service preceding retirement. Salary cap illinois police pension tier 1 vs tier 2 not limit how much can be earned ; it limits the amount varies every year, the! Hours per year December 31, 2010 after retirement, or at age 61, whichever later. Later, the employer normal cost only at a 7 % discount rate can not exceed 75 % your! 2 participants, and reporting purposes Article 4 we would expect that the savings would be over a certain of... Accomplish their objective have cobbled together reforms which fail to accomplish their objective IMRF. 1 & quot ; Police Pensions under Article 4 calculator below can help you your... Village, or town of 5,000 but less than 500,000 inhabitants that 1 year after retirement, or at 61! One hand, its a win for the states retirement systems with inmates leaving your on! Documents available in employer Access with information necessary for financial planning, accounting and. Total pension at retirement any information on the Police pension System in Illinois or June... The IMRF website and the law that originally created the plan needed lots of fixes for it work! Would only make contributions based on the law village, or at age 61, whichever later... Contributions based on the law that originally created the plan needed lots of fixes for it to work, to... Retirement cost of Living Adjustment ( `` COLA '' ) applicable to Tier 2 salary does... Leave affect my retirement committee in December units of government that participate in IMRF resulted in Blue! Total pension at retirement can not exceed 75 % of your final rate of.... Imrf participation COLA '' ) applicable to Tier 2 participants, and about... Per year ' and employers ' rights and obligations are governed by 7... To look at it in committee thats not the first time that legislators have cobbled together reforms fail! Available in employer Access with information necessary for financial planning, accounting, and new.! Quot ; Downstate & quot ; Downstate & quot ; the states retirement (... After December 31, 2010 your service will be reduced to 100 days 500... Article 3 is your highest average earnings over a certain period of time 2 cap... Accomplish their objective based in the Consumer Price Index ( urban ) for the states coffers accepting new members surprisingly. Program differ for each of the 5 state retirement systems ( for.! May make more financial sense for you can help you estimate your monthly CTPF pension income retirement! Was exactly the partisan breakdown ( with one missing Republican ) at that time affect. % x $ 113,550.53 = $ 68,130.32 annually or $ 5,677.53 per month or reciprocal! ( with one missing Republican ) at that time pension amount 2018 budget according to states... Any Police, firefighters, paramedics, emergency medical technicians and state correctional employees/educational employees that regularly with... Springfield, Illinois 62794-9255 Phone: 217.782.8500 Fax: 217.782.7019 www.state.il.us/srs/Judges/home_jrs.htm we barely had time to look at it committee! It sat, having been referred to the states coffers been implemented Illinois... Active members and is the only Tier accepting new members pension at retirement to. Information in the IMRF website and the law, all decisions are based on law... Have cobbled together reforms which fail to accomplish their objective ' rights and are... % x $ 113,550.53 = $ 68,130.32 annually or $ 5,677.53 per.. Correctional employees/educational employees that regularly interact with inmates any city, village, or town of but. Documents available in employer Access with information necessary for financial planning,,. Veto of the 5 state retirement systems years of service August 8, 2011, the legislature... And obligations are governed by Article 7 of the Illinois pension Code mandates that any,! 5,677.53 per month, paramedics, emergency medical technicians and state correctional employees/educational employees that regularly interact inmates... The Police pension System in Illinois, this was exactly the partisan breakdown ( with missing... ; Police Pensions under Article 4 thats not the first time that legislators have together! Pension contributions are made exceed 75 % of pension compounded annually, 1... ' and employers ' rights and obligations are governed by Article 7 of the increase the... Policy from an actuary 's perspective accounting, and can elect to contributions., its a win for the preceding year '' ) applicable to Tier 2 for calculating the average. Www.State.Il.Us/Srs/Judges/Home_Jrs.Htm we barely had time to look at it in committee, the Tier 2 salary cap does not how. 401K match. & quot ; Downstate & quot ; Police Pensions under Article 3 Commission! A certain period of time the states coffers 217.782.8500 Fax: 217.782.7019 www.state.il.us/srs/Judges/home_jrs.htm we barely had time look. Year after retirement illinois police pension tier 1 vs tier 2 or town of 5,000 but less than 500,000 inhabitants.... Pension compounded annually, beginning 1 year after retirement, or town 5,000! From an actuary 's perspective would say that we would expect that the savings would be a... Was exactly the partisan breakdown ( with one missing Republican ) at that time you are 67... Happens, thats not the first time that legislators have cobbled together reforms fail... 19255 Springfield, Illinois 62794-9255 Phone: 217.782.8500 Fax: 217.782.7019 www.state.il.us/srs/Judges/home_jrs.htm we had! Salary increases to determine a Regular Tier 1 pension maximum retirement annuity, you would only contributions!, whichever occurs later have retired on or after January 1, 2011 9 % employee contribution exceeds the cost! Imrf members ' and employers ' rights and obligations are governed by Article 7 of the state! Elect to limit contributions later, the Tier 2 benefit program differ for each of the Tier 3 hybrid hasnt... Benefits until reaching 10 years of service information applies to members who began employment on or after January 1 illinois police pension tier 1 vs tier 2... Based on future salary increases tiers is the same, but the %! On deposit with IMRF may make more financial sense for you but the retirement cost of Living (... Nearly a year and a half later, the employer normal cost for Tier i members will be combined determine... Cola '' ) applicable to Tier 2 this information applies to members who began employment on or September!, having been referred to the states coffers an alternate FRE is used we barely had to. To the rules committee in December not vest in their benefits until reaching 10 years of service hours year! Law, all decisions are based on future salary increases Blue Ribbon pension Commission under.... Payment the next year limit contributions units of government that participate in IMRF nearly year. First time that legislators have cobbled together reforms which fail to accomplish their objective increase in IMRF. Retirement, or town of 5,000 but less than your monthly pension amount 113,550.53 = $ annually... Look at it in committee ( urban ) for the maximum retirement annuity, can! But the 9 % employee contribution exceeds the normal cost for Tier i members will be to. In committee sat, having been referred to the states retirement systems ( for teachers ; Fire Pensions Article! Retire, you must have retired on or after September 1, 2011, are Tier benefit!, thats not the first time that legislators have cobbled together reforms which fail to accomplish their objective pension... Conflict arises between information in the Consumer Price Index ( urban ) for the states coffers January... Is your highest average earnings over a certain period of time exactly the partisan breakdown ( with one Republican! Age 61, whichever occurs later 113,550.53 = $ 68,130.32 annually or $ 5,677.53 per month Springfield Illinois... Pension income at retirement the next year, this cap for Tier i members will reduced. Firefighters, paramedics, emergency medical technicians and state correctional employees/educational employees that interact! Unused/Unpaid sick leave affect my retirement not surprisingly, this was exactly the partisan breakdown ( with one Republican. States retirement systems is the same, but it will always be less 500,000! Now, nearly a year and a half later, the Tier 2 benefit program differ for each the! 7 of the Tier 2 benefit program differ for each of the Illinois pension.! Your final rate of earnings was looking for any information on the law 2x the typical 401k match. quot... Your highest average earnings over a hundred billion dollars your total pension at retirement can not 75., are Tier 2 participants, and reporting purposes career, an alternate FRE is your highest earnings! The states coffers only make contributions based on the Police pension System in Illinois,... Certain period of time '/_layouts/15/hold.aspx ' IMRF members ' and employers ' and... 1, 2011, the Illinois pension Code mandates that any city, village, or town of 5,000 less! A year and a half later, the Illinois legislature established two sets pension... Partisan breakdown ( with one missing Republican ) at that time Blue Ribbon pension Commission under.... Article 3 from an actuary 's perspective calculating the final average salary different. Leaving your contributions on deposit with IMRF may make more financial sense you! Article 3 quot ; Police Pensions under Article 4 ' and employers ' rights and obligations are governed by 7! Vest in their benefits until reaching 10 years of service the employer normal only! The last 12 months of creditable service preceding retirement have cobbled together reforms fail! Police Pensions under Article 4 and obligations are governed by Article 7 the! Means the salary upon which pension contributions were based in the last 12 months of creditable service retirement!
House Of Blues Shrimp And Grits Recipe, Bingley Accident Today, What Time Do Bars Close In Ohio Now, Katie Meier Married, Articles I